Ambergris caye is 90% lagoon & "swamp". Only the east coast has a narrow strip of high beach land which is naturally habitable.
Habaneros area has about 200ft of high sand from the shoreline inward and then changes to areas of high and low ground. in the dry season most of this land is dry and in the rainy season most of this area has standing water or waterloged ground. a 16,000 lot would typically fall in this zone.
follow jesse's advice.